Goldman Sachs Apple Card
Mastercard cash back card with no annual fee. Earns 2% on paid with Apple Pay (assumed half of spending), 1% on everything else.
Terms read from Goldman Sachs's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- None
- Purchase APR
- 17.74% to 27.99%
Rewards
- 2% on paid with Apple Pay (assumed half of spending)
- 1% on everything else
Earns cash back.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $177 | $177 | $532 | Month 1 |
| Family | $603 | $603 | $1,809 | Month 1 |
| Frequent traveller | $698 | $698 | $2,095 | Month 1 |
Frequently asked questions
Is the Goldman Sachs Apple Card worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $603 in year 1 and $603 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Goldman Sachs Apple Card welcome bonus?
There's no welcome bonus on the issuer's page.
Does the Goldman Sachs Apple Card charge foreign transaction fees?
No. It charges no foreign transaction fee.
What isn't counted in its value?
2% needs Apple Pay; this assumes half your spending goes through Apple Pay and the rest earns 1% on the physical card. 3% at Apple and select merchants isn't modelled.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.